Payment system, electronic device and payment method thereof

Patent metadata

Field	Value
Publication number	US-10997584-B2
Application number	US-201916730196-A
Country	US
Kind code	B2
Filing date	Dec 30, 2019
Priority date	Jul 14, 2015
Publication date	May 4, 2021
Grant date	May 4, 2021

Abstract

An electronic device for making a payment is provided. The electronic device includes a display configured to receive a user command, a transceiver configured to communicate with an external device, and a processor configured to request a token associated with a financial service from a payment server when a user requests the financial service and to generate data for providing the financial service by using the token and service information when the token and the service information associated with the financial service is received from the payment server.

First claim

What is claimed is:

1. An electronic device comprising:
a display configured to receive a user command;
a biometric sensor;
a communication circuit configured to communicate with an external device;
a memory configured to store a private key; and
a processor electrically connected to the display, the biometric sensor, the communication circuit and the memory, wherein the memory stores instructions that, when executed, cause the processor to:
receive a payment request of a user,
in response to the payment request, obtain biometric information of the user using the biometric sensor,
perform biometric authentication based on the obtained biometric information,
if the biometric authentication is completed, transmit first information encrypted by using the private key to an authentication server for user authentication using the communication circuit,
receive second information corresponding to result of the user authentication performed by the authentication server based on the first information using the communication circuit,
in response to receipt of the second information, transmit a payment data request to a payment server for issuing payment data or acting to issue the payment data using the communication circuit,
receive payment data issued based on the payment data request, corresponding to at least one of track 1, track 2 and track 3 of payment card from the payment server using the communication circuit, and
transmit a signal generated based on the received payment data.

2. The electronic device of claim 1 , wherein the signal is transmitted using a magnetic secure transmission (MST).

3. The electronic device of claim 1 ,
wherein the instructions further cause the processor to store the received payment data in the memory or a secure memory element.

4. The electronic device of claim 3 , wherein the secure memory element includes at least one of an embedded secure element (eSE), an embedded subscriber identity module (eSIM) or a trusted execution environment (TEE).

5. The electronic device of claim 1 ,
wherein the transmitted signal includes at least one of validity period, at least one of service information, encryption information, account information, deposit information or withdrawal information associated with the received payment data.

6. The electronic device of claim 1 , wherein at least one of service information includes information associated with at least one of providing an advertisement, issuing a coupon, collecting a point, discounting a charge, outputting a receipt, discounting a fee, reducing a fee or providing a text service.

7. The electronic device of claim 1 , wherein the payment data includes payment token.

8. The electronic device of claim 1 , wherein the second information includes at least one of user information, user account information, payment information, card information, account information, deposit information or withdrawal information.

9. A method of an electronic device for making a payment, the method comprising:
receiving a payment request of a user;
in response to the payment request, obtaining biometric information of the user;
performing biometric authentication based on the obtained biometric information;
if the biometric authentication is completed, transmitting first information encrypted by using a private key to an authentication server for user authentication;
receiving second information corresponding to result of the user authentication performed by the authentication server based on the first information;
in response to receipt of the second information, transmitting a payment data request to a payment server for issuing payment data or acting to issue the payment data;
receiving payment data issued based on the payment data request, corresponding to at least on of track 1, track 2 and track 3 of payment card from the payment server; and
transmitting a signal generated based on the received payment data.

10. The electronic device of claim 1 , wherein the payment data is generated by the payment server based on the payment server confirming validity of the user authentication to the authentication server.

11. The electronic device of claim 1 ,
wherein the memory stores at least one biometric information, and
wherein the instructions further cause the processor to:
perform the biometric authentication based on comparing the obtained biometric information with the stored at least one biometric information.

12. The electronic device of claim 1 ,
wherein the instructions further cause the processor to:
receive at least one service information, and
generate the signal based on the received payment data and the at least one service information.

13. The electronic device of claim 12 , wherein the instructions further cause the processor to:
display, on the display, at least one user interface for receiving the at least one service information,
receive a user input for the user interface as the at least one service information using the display, and
generate the signal based on the received user input.

14. The electronic device of claim 13 , wherein the instructions further cause the processor to:
generate a first signal as the signal when the received user input is associated with a first service, and
generate a second signal as the signal when the received user input is associated with a second service.

15. The electronic device of claim 13 , wherein the at least one service information is represented by two-digit data in the payment data corresponding to the track 2.

16. The electronic device of claim 15 , wherein the two-digit data is located at 25th and 26th digits in the payment data corresponding to the track 2.

Assignees

• Samsung Electronics Co Ltd

Inventors

• Cho Boo Hyun
• Kim Ki Bong
• Cho Beom Soo

Classifications

• H04B5/20

  characterised by the transmission technique; characterised by the transmission medium · CPC title

• G06Q20/351

  Virtual cards · CPC title

• G06Q20/308

  using the Internet of Things · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title